Emerald Credit Association Federal Credit Union

Headquarters: Greenwood, South Carolina
Charter: Credit Union
Assets: $10.3M
Fed district: Richmond

15 published fees; none has a market median to compare yet.

Source: its fee schedule, read Feb 17, 2026.

Explore Hamilton View published fees

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

NSF / Returned Item
Emerald Credit Association Federal Credit Union: $30
Emerald Credit Association Federal Credit Union: $30
U.S. median: no median
Non-Network ATM
Emerald Credit Association Federal Credit Union: $2
Emerald Credit Association Federal Credit Union: $2
U.S. median: no median
Stop Payment
Emerald Credit Association Federal Credit Union: $30
Emerald Credit Association Federal Credit Union: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Feb 17, 2026View sources

Each amount links to the fee schedule it was read from. Medians for South Carolina, the Richmond district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
South Carolina: Banks and credit unions headquartered in South Carolina that publish the fee.
Richmond district: Banks and credit unions headquartered in the Richmond Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Among its peers

Emerald Credit Association Federal Credit Union · $10M in assets

The 25 credit unions closest in assets

Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 16 states.

Credit unions only
$10M to $11M in assets
Headquartered in 16 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Emerald Credit Association Federal Credit Union(this institution)	Greenwood, SC	$10M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Overdraft not published
A T & T Employees Pittsburgh Federal Credit Union	Pittsburgh, PA	$10M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Arbuckle Federal Credit Union	Ada, OK	$10M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Arkansas Health Center Federal Credit Union	Benton, AR	$10M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Asa Federal Credit Union	Bloomfield, CT	$11M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Birmingham City Federal Credit Union	Birmingham, AL	$10M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Blue Flame Federal Credit Union	Mobile, AL	$11M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Cmc-Fcpi Employees Federal Credit Union	Scranton, PA	$11M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Colquitt County Teacher Federal Credit Union	Moultrie, GA	$10M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Cooperative Employees Federal Credit Union	Anadarko, OK	$10M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Correctional Workers Federal Credit Union	El Reno, OK	$10M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Overdraft not published
Cvph Employees Federal Credit Union	Plattsburgh, NY	$10M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Erie Firefighters Federal Credit Union	Erie, PA	$10M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Evergreen Park Schools Federal Credit Union	Evergreen Park, IL	$10M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Guco Federal Credit Union	Greenville, NC	$10M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Healthplus Federal Credit Union	Jackson, MS	$11M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
I B E W Local 56 Federal Credit Union	Erie, PA	$11M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Lincoln S.D.A. Federal Credit Union	Lincoln, NE	$10M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Methodist Hospital Employees Federal Credit Union	Dallas, TX	$11M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Mississippi Dhs Federal Credit Union	Jackson, MS	$10M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Morton Federal Credit Union	taunton, MA	$10M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
P.S.E. & G. Nuclear Employees Federal Credit Union	Hancocks Bridge, NJ	$10M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Redlands City Employees Federal Credit Union	Redlands, CA	$10M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Sing Sing Employees Federal Credit Union	Briarcliff Manor, NY	$11M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Star Tech Federal Credit Union	Greenwood Village, CO	$11M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Vatat Federal Credit Union	Austin, TX	$11M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 12 publish this fee(overdraft)

13 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Emerald Credit Association Federal Credit Union does not publish an overdraft fee in the index.

The peer median is $30 among 12 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Nov 5, 2026.

Overdraft fee in dollars, one mark per institution

Emerald Credit Association Federal Credit Union does not publish an overdraft fee, so it is not on this chart.

Emerald Credit Associatio…Peer (equal prices stack)Peer medianInclude $5.49 outlierShown past the axis break, not to scale, so the rest of the set has room.

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 5, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Published fee schedule

Amounts from Emerald Credit Association Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Closing a Club account within 90 days of opening$25
Inactive Share Draft Account Fee after 1 quarter$2.50
Inactivity Fee$10

Overdraft & NSF

Returned Item Fee$30
per item
Checking overdraft transfer fee from saving or other account$1
per item

ATM & Card

ATM Transaction fee (per transaction over three per month)$2
per item
ATM card replacement$10

Wire Transfers

Wire transfer (international) fee (per transfer)$50
per item

Check Services

Check Request or Cashier check fee (per draft)$3
per item
Money order fee (per money order)$1.75
per item
Stop payment request fee (per request checking or ach)$30
per item
Check Cashing$20
Check cashing fee = non checking account$3
Check copy fee (per item)$3
per item

Account Services

Loan and Account Verification$25
Not compared: Monthly charge, not per item
per month

Lending Fees

Late Fee for loan after 10 days$25

Gift & Prepaid Cards

Visa Gift Cards$3

Other Fees

Member Fax per page$1
per item

Fee	Amount	Basis	Note
Account Maintenance
Closing a Club account within 90 days of opening	$25	Not stated	None
Inactive Share Draft Account Fee after 1 quarter	$2.50	Not stated	None
Inactivity Fee	$10	Not stated	None
Overdraft & NSF
Returned Item Fee	$30	per item	None
Checking overdraft transfer fee from saving or other account	$1	per item	None
ATM & Card
ATM Transaction fee (per transaction over three per month)	$2	per item	None
ATM card replacement	$10	Not stated	None
Wire Transfers
Wire transfer (international) fee (per transfer)	$50	per item	None
Check Services
Check Request or Cashier check fee (per draft)	$3	per item	None
Money order fee (per money order)	$1.75	per item	None
Stop payment request fee (per request checking or ach)	$30	per item	None
Check Cashing	$20	Not stated	None
Check cashing fee = non checking account	$3	Not stated	None
Check copy fee (per item)	$3	per item	None
Account Services
Loan and Account Verification	$25Not compared: Monthly charge, not per item	per month	None
Lending Fees
Late Fee for loan after 10 days	$25	Not stated	None
Gift & Prepaid Cards
Visa Gift Cards	$3	Not stated	None
Other Fees
Member Fax per page	$1	per item	None

Correct a fee source

Feb 17, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Fee change alerts

Get an email when Emerald Credit Association Federal Credit Union's cashier's check changes in our data

We check once a day and send one email covering every change.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

NSF / Returned Item
Emerald Credit Association Federal Credit Union: $30
Emerald Credit Association Federal Credit Union: $30
U.S. median: no median
Non-Network ATM
Emerald Credit Association Federal Credit Union: $2
Emerald Credit Association Federal Credit Union: $2
U.S. median: no median
Stop Payment
Emerald Credit Association Federal Credit Union: $30
Emerald Credit Association Federal Credit Union: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Feb 17, 2026View sources

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
South Carolina: Banks and credit unions headquartered in South Carolina that publish the fee.
Richmond district: Banks and credit unions headquartered in the Richmond Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Among its peers

Emerald Credit Association Federal Credit Union · $10M in assets

The 25 credit unions closest in assets

Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 16 states.

Credit unions only
$10M to $11M in assets
Headquartered in 16 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Emerald Credit Association Federal Credit Union(this institution)	Greenwood, SC	$10M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Overdraft not published
A T & T Employees Pittsburgh Federal Credit Union	Pittsburgh, PA	$10M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Arbuckle Federal Credit Union	Ada, OK	$10M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Arkansas Health Center Federal Credit Union	Benton, AR	$10M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Asa Federal Credit Union	Bloomfield, CT	$11M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Birmingham City Federal Credit Union	Birmingham, AL	$10M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Blue Flame Federal Credit Union	Mobile, AL	$11M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Cmc-Fcpi Employees Federal Credit Union	Scranton, PA	$11M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Colquitt County Teacher Federal Credit Union	Moultrie, GA	$10M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Cooperative Employees Federal Credit Union	Anadarko, OK	$10M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Correctional Workers Federal Credit Union	El Reno, OK	$10M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Overdraft not published
Cvph Employees Federal Credit Union	Plattsburgh, NY	$10M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Erie Firefighters Federal Credit Union	Erie, PA	$10M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Evergreen Park Schools Federal Credit Union	Evergreen Park, IL	$10M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Guco Federal Credit Union	Greenville, NC	$10M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Healthplus Federal Credit Union	Jackson, MS	$11M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
I B E W Local 56 Federal Credit Union	Erie, PA	$11M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Lincoln S.D.A. Federal Credit Union	Lincoln, NE	$10M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Methodist Hospital Employees Federal Credit Union	Dallas, TX	$11M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Mississippi Dhs Federal Credit Union	Jackson, MS	$10M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Morton Federal Credit Union	taunton, MA	$10M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
P.S.E. & G. Nuclear Employees Federal Credit Union	Hancocks Bridge, NJ	$10M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Redlands City Employees Federal Credit Union	Redlands, CA	$10M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Sing Sing Employees Federal Credit Union	Briarcliff Manor, NY	$11M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Star Tech Federal Credit Union	Greenwood Village, CO	$11M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Vatat Federal Credit Union	Austin, TX	$11M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 12 publish this fee(overdraft)

13 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Emerald Credit Association Federal Credit Union does not publish an overdraft fee in the index.

The peer median is $30 among 12 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Nov 5, 2026.

Overdraft fee in dollars, one mark per institution

Emerald Credit Association Federal Credit Union does not publish an overdraft fee, so it is not on this chart.

Emerald Credit Associatio…Peer (equal prices stack)Peer medianInclude $5.49 outlierShown past the axis break, not to scale, so the rest of the set has room.

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 5, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Published fee schedule

Amounts from Emerald Credit Association Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Closing a Club account within 90 days of opening$25
Inactive Share Draft Account Fee after 1 quarter$2.50
Inactivity Fee$10

Overdraft & NSF

Returned Item Fee$30
per item
Checking overdraft transfer fee from saving or other account$1
per item

ATM & Card

ATM Transaction fee (per transaction over three per month)$2
per item
ATM card replacement$10

Wire Transfers

Wire transfer (international) fee (per transfer)$50
per item

Check Services

Check Request or Cashier check fee (per draft)$3
per item
Money order fee (per money order)$1.75
per item
Stop payment request fee (per request checking or ach)$30
per item
Check Cashing$20
Check cashing fee = non checking account$3
Check copy fee (per item)$3
per item

Account Services

Loan and Account Verification$25
Not compared: Monthly charge, not per item
per month

Lending Fees

Late Fee for loan after 10 days$25

Gift & Prepaid Cards

Visa Gift Cards$3

Other Fees

Member Fax per page$1
per item

Fee	Amount	Basis	Note
Account Maintenance
Closing a Club account within 90 days of opening	$25	Not stated	None
Inactive Share Draft Account Fee after 1 quarter	$2.50	Not stated	None
Inactivity Fee	$10	Not stated	None
Overdraft & NSF
Returned Item Fee	$30	per item	None
Checking overdraft transfer fee from saving or other account	$1	per item	None
ATM & Card
ATM Transaction fee (per transaction over three per month)	$2	per item	None
ATM card replacement	$10	Not stated	None
Wire Transfers
Wire transfer (international) fee (per transfer)	$50	per item	None
Check Services
Check Request or Cashier check fee (per draft)	$3	per item	None
Money order fee (per money order)	$1.75	per item	None
Stop payment request fee (per request checking or ach)	$30	per item	None
Check Cashing	$20	Not stated	None
Check cashing fee = non checking account	$3	Not stated	None
Check copy fee (per item)	$3	per item	None
Account Services
Loan and Account Verification	$25Not compared: Monthly charge, not per item	per month	None
Lending Fees
Late Fee for loan after 10 days	$25	Not stated	None
Gift & Prepaid Cards
Visa Gift Cards	$3	Not stated	None
Other Fees
Member Fax per page	$1	per item	None

Correct a fee source

Feb 17, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.